Begin a Mortgage with Scott Buehler!

Absolutely. I'm licensed to do mortgages in Utah, California, Arizona, Nevada, and Wyoming, so whether you're buying in your home state or relocating across state lines, I've got you covered. A lot of my clients are folks moving out of California or Nevada into Utah or Arizona, and being licensed in both ends of the move makes the process way smoother. One loan officer, one application, no handoffs.

When you call me, you get me. Not a call center, not a chatbot, not someone who disappears after the application. I'm a real person who picks up the phone, returns texts, and walks you through every step. Online lenders are built for volume. I'm built for relationships. My clients refer their friends and family because I actually treat them like people, not loan numbers.

Most of my clients are pre-approved within 24 to 48 hours of sending over their documents. If you're in a hurry because you found a home you want to put an offer on this weekend, tell me up front and I'll move heaven and earth to get you a strong pre-approval letter in hand fast. A solid pre-approval is what separates serious buyers from window shoppers in this market.

Pretty much all the big ones. Conventional, FHA, VA, USDA, and jumbo. I also have strong options for self-employed borrowers, including bank statement loans where we use 12 or 24 months of bank deposits instead of tax returns to qualify you. That's a huge deal for business owners, 1099 contractors, and entrepreneurs who write off a lot on their taxes and get squeezed by traditional underwriting. I work with a wide range of investors, which means I can shop your file to find the best fit instead of forcing you into one box.

For a typical purchase, plan on 30 days from contract to keys. I've closed faster when the deal calls for it, and I've seen some files take longer when there are complications on the title or appraisal side. The honest answer is that closing speed depends on how quickly you get me what I need, how the property appraises, and how responsive the other side is. I'll give you a realistic timeline up front and keep you posted every step of the way.

One hundred percent yes. Credit issues are way more common than people think, and a lot of buyers count themselves out before even talking to a lender. I've helped folks with past bankruptcies, medical collections, thin credit files, and scores in the 500s find a path forward. Sometimes we can close right now. Sometimes we build a 60 or 90 day plan to get your score where it needs to be. Either way, you'll know exactly where you stand after one phone call.